Complete Outreach, an authorized Zip-Loan partner

Close more sales.
Keep more of every payment.

We help healthcare practices, home services companies, and other high-ticket businesses with two separate solutions: customer and patient financing, so more people can afford to say yes, and payment processing, so you get paid smoothly on every sale.

Customer & patient financing

One application, 35+ lendersEvery credit type, with no impact to credit scores

You get paid in fullThe lender carries the payment plan

Payment processing

Cards, ACH, and invoicingEvery way you get paid, in one system

Fee programs availablePass card fees to customers, where permitted

What we help with

Two different products. Use one or both.

Customer and patient financing (same product, different name depending on your industry) and payment processing solve different problems. Financing helps customers and patients afford a purchase. Processing is how you accept their payment. Either way, a dedicated Complete Outreach contact sets it up with you.

Product 1 · Customer & patient financing

Best when: price is the reason customers hesitate or walk away.

Approve the patients your current financing declines

Patients who hear "no" from CareCredit, Cherry, or Sunbit usually walk out. One soft-pull application checks 35+ lenders at once, so most of them still get a yes.

Larger cases like full-mouth implants financed up to $50,000 to $65,000
Near-prime, subprime, and no-credit-needed options so fewer people are turned away
Send by text, email, or a QR code at the front desk
You review offers and confirm before anything funds

Product 2 · Payment processing

Best when: you want a simpler, lower-cost way to accept every payment.

Every way your patients pay, in one place

Take cards and bank transfers from one system, send invoices that get paid faster, and choose programs that pass card fees to your patients so you keep more of every sale.

Card payments and ACH bank transfers on one platform
Simple invoicing and pay links patients can pay in seconds
Fee programs that can bring your processing cost close to zero, where permitted
A dedicated contact who sets it up and supports you

	Customer & patient financing	Payment processing
What it does	Lets customers and patients split a purchase into monthly payments	How you accept cards, bank transfers, and invoice payments
Who pays whom	The lender pays you the full amount upfront. The customer repays the lender.	Customers pay you directly on every transaction
Used for	Bigger purchases, procedures, and jobs	Every payment you take, large or small
Main benefit	More customers and patients can say yes	Smoother payments and lower fees
Replaces	Nothing. It works alongside CareCredit or other plans you offer.	Your current processor, if you choose to switch

Need capital for the business itself? Equipment, expansion, payroll, or a line of credit through 70+ business lenders.

How customer & patient financing works

Three steps from "it's too much" to paid in full

Your team does not need to know anything about lending. The platform matches each customer or patient to the lender most likely to approve them.

Your customer applies

One short application, sent however is easiest for them. It takes a few minutes.

Text linkEmailQR codeYour website

One soft check, 35+ lenders

A single soft credit pull is shared across the whole network, so there is no hit to their score and no penalty for shopping around.

Approved, and you get paid

Show every offer or just the best one first. Your customer picks, you confirm, and the lender pays you the full amount.

Built for the whole credit spectrum

If one lender says no, the application keeps going down the network automatically.

PrimeStrong credit, best rates

Near-primeFair credit, solid options

SubprimeLower scores still considered

No credit neededOptions without a credit history

How payment processing works

One system for every payment you take

Separate from financing. This is how money from every sale reaches your account.

Review how you get paid today

A quick look at your current setup and, if you share it, a recent processing statement.

Choose your setup

Cards, ACH bank transfers, invoicing and pay links, plus an optional program that passes card fees to customers where permitted.

Start accepting payments

Your dedicated contact gets you live and stays your point of contact.

Getting set up

From first call to enrolled, built around your business

No generic package. Every program is customized to how you sell, including if you already offer financing.

Tell us about you

Answer two quick questions and share a few details. About a minute.

We reach out

We contact you within one business day to set up a quick call.

15-minute options call

We learn how you sell today and walk you through the programs that fit.

Choose and enroll

Pick one program or several. Enrollment is handled for you.

Financing calculator

What are declines costing you?

Move the sliders to match a typical month. This estimates the revenue you could recover with customer and patient financing for the people who currently walk away.

Customers lost to price or declines per month 8 People who said yes to the work but could not pay upfront or were declined.

Average sale or procedure $4,500

Share you could win back with financing 35%

Estimated revenue recovered each month

$12,600

That is about $151,200 a year.

Based on your inputs. Actual results depend on your customers and lender approvals.

Estimate only. Not a guarantee of approvals or revenue.

Who we work with

Made for businesses with real price tags

Healthcare

Elective and out-of-pocket care where cost is the reason patients delay.

Dental and implants Orthodontics Med spas and aesthetics Cosmetic surgery Regenerative medicine Veterinary Chiropractic Hearing and vision Weight loss

Home services

Big-ticket jobs where clients want the work now and to pay over time.

HVAC Roofing Solar Remodeling Windows and doors Plumbing Pools Mold and restoration Flooring

Auto, retail, and coaching

Repairs, purchases, and programs customers want now and would rather pay off over time.

Auto repair Furniture Coaching and consulting High-ticket sales Big-ticket retail

Questions

Straight answers

What is the difference between financing and payment processing?

They are two separate products. Customer and patient financing lets people pay for a purchase over time through a lender, while you get paid in full upfront. Payment processing is how you accept cards, bank transfers, and invoice payments on every sale. You can use either one or both.

Is customer financing the same as patient financing?

Yes. It is the same product. Healthcare practices usually call it patient financing, and other businesses call it customer or consumer financing.

Does this replace CareCredit or the financing I already use?

No. It works alongside what you have. Keep your current option and use this for the customers and patients it declines, or use it as your main application. Either way, nothing about your existing setup has to change.

Will applying hurt my customer's credit?

No. Customers and patients see their options with a single soft credit check, which does not affect their score. That one check is shared across the whole lender network, so they are not penalized for being matched to multiple lenders.

What does it cost my business?

There is no cost to apply or to get set up with a Complete Outreach contact. Any costs depend on the program you choose, and we walk you through them before you commit to anything.

Is Zip-Loan a lender?

No. Zip-Loan is a technology platform that connects your customers to a network of 35+ lenders through one application. The lenders fund the loans. Complete Outreach is a Zip-Loan partner that helps you get set up and stays your point of contact.

Who carries the risk if a customer stops paying?

The lender. You are paid for the work, and your customer or patient repays the lender over time, not you.

What does payment processing include?

Card payments, ACH bank transfers, and simple invoicing, all in one system. We can also set up programs that pass card fees to your customers where permitted. If you share a recent processing statement, we will show you how it compares with what you pay today.

How fast can we start?

After a 10 to 15 minute options call, you choose your programs and enrollment is handled for you. Most businesses are up and running within days.

Find out what fits your business in about a minute

Answer two quick questions and a few details. A dedicated Complete Outreach contact will follow up with financing and processing options built for your business.

Get started Compare the two products

Close more sales.Keep more of every payment.